Updated December 4, 2025
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Terms & Conditions
Max. Loan Amount (Singaporeans)
Max. Loan Amount (Foreigners)
Monthly Interest Rate
Today’s moneylender interest rate trends in Singapore – As of Thursday, December 4th, 2025, moneylenders in Singapore are charging an average monthly interest rate of 3.94%
Credit Excel Capital has been a licensed moneylender since 2010 and is recognized for its good reputation. It specializes in providng various loan schemes, including personal cash loans, payday loans, and business loans for SMEs. The company is built around a customer-centric approach; thus, it guarantees a smooth experience in borrowing through fast approval, flexible repayment terms, and transparency in all its processes. Whether you want money for emergencies, business expansion, or short-term financial obligations, Credit Excel Capital is your sure and efficient way.
| Moneylender | Max. Loan Amount (Singaporeans) |
Max. Loan Amount (Foreigners) |
Monthly Interest Rate | Google Reviews | ROSHI Approved
|
|---|---|---|---|---|---|
| Best Licensed Moneylender | 6 times monthly income | 6 times monthly income | 2.22% | 5.0 |  |
| Advance Cash Credit | 6 times monthly income | 6 times monthly income | 3.00% | 5.0 | |
| EZ Loan | 6 times monthly income | 6 times monthly income | 3.07% | 5.0 | |
| Abm Creditz Singapore | 6 times monthly income | 6 times monthly income | 3.90% | 4.9 | |
| MoneyPlus Capital | 6 times monthly income | 6 times monthly income | 2.89% | 5.0 | |
| Cash Direct | 6 times monthly income | 6 times monthly income | 3.92% | 5.0 | |
| UK Credit | 6 times monthly income | 6 times monthly income | 3.92% | 5.0 | |
| Sumo Credit | 6 times monthly income | 6 times monthly income | 3.92% | 4.9 | |
| Synergy Credit | 6 times monthly income | 6 times monthly income | 3.92% | 5.0 | |
| Raffles Credit | 6 times monthly income | 6 times monthly income | 3.92% | 5.0 | Close More Moneylenders |
*Today's Moneylenders Rates - 4 December 2025
Eligibility Criteria
To apply for a loan, applicants must meet the following criteria:
For Salaried and Commission-Based Employees:
For Self-Employed Individuals:
For Taxi Drivers:
Start your loan application journey with our quick online application multistep form — it takes just 30 seconds to
complete. Our advanced technology and expert loan specialists work together to match you with suitable options
on our platform
Provide the necessary documents: your last 3 pay slips, a credit report from CBS or MLCB, and your IC/FIN
details. Upload these files through your dashboard or email them to [email protected]
Our dedicated customer success team will carefully examine your application, contacting you if any additional
information is required. Once we’ve verified your details, we’ll begin the process of matching you with
appropriate lenders and loan options.
Compare loan offers in real-time through your application dashboard. Our customer success team is available to
discuss loan details.
After you’ve selected a loan option, we’ll assist in arranging an appointment with the chosen moneylender. Note
that for moneylender options, assessment and disbursement must be completed in person at their branch.
Once you’ve agreed on the loan terms and signed the contract, you’ll receive a copy of the agreement. This
document will outline your monthly payment schedule. Your funds will then be disbursed either in cash or via
bank transfer.
Loan approvals are typically completed within hours, offering quick access to funds.
Personal loans, payday loans, and SME loans cater to various financial needs.
Customized repayment plans to suit individual financial circumstances.
Clear and upfront terms with no hidden charges.
Over a decade of experience in providing reliable lending services.
